CU RateFinder
    Credit union mortgage rates
    Home state: Utah
    Open membership
    Lends in 10 states

    MOUNTAIN AMERICA mortgage rates

    MOUNTAIN AMERICA's lowest publicly advertised 30-year fixed rate today is 6.885% APR — the national average is 7.147%. That's about $25,354 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read MOUNTAIN AMERICA's rates every weekday, starting around 11 a.m. Central.

    We last read MOUNTAIN AMERICA's rates page on Nov 2, 2026.

    Today's rates from MOUNTAIN AMERICA

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.885%—Nov 2, 2026Visit
    20 Year Fixed6.625%6.801%—Nov 2, 2026Visit
    15 Year Fixed5.99%6.205%—Nov 2, 2026Visit
    5 Year ARM6.125%6.707%—Nov 2, 2026Visit
    7 Year ARM6.25%6.682%—Nov 2, 2026Visit
    10 Year ARM6.875%7.011%—Nov 2, 2026Visit
    FHA 30 Year Fixed6.5%7.341%—Nov 2, 2026Visit
    FHA 15 Year Fixed6%6.868%—Nov 2, 2026Visit
    VA 30 Year Fixed6.5%6.806%—Nov 2, 2026Visit
    VA 15 Year Fixed6.5%7.003%—Nov 2, 2026Visit
    USDA 30 Year Fixed6.25%6.825%—Nov 2, 2026Visit
    30 Year Fixed Jumbo6.875%6.987%—Nov 2, 2026Visit
    15 Year Fixed Jumbo7.5%7.686%—Nov 2, 2026Visit
    10 Year Fixed Refinance5.74%5.74%—Nov 2, 2026Visit
    15 Year Fixed Refinance5.99%6.205%—Nov 2, 2026Visit
    20 Year Fixed Refinance6.875%7.052%—Nov 2, 2026Visit
    30 Year Fixed Refinance6.875%7.011%—Nov 2, 2026Visit
    Visit MOUNTAIN AMERICA's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join MOUNTAIN AMERICA

    Mountain America Credit Union offers membership to residents of Utah, Idaho, Arizona, Nevada, Montana, and New Mexico through various eligibility paths including community residency, select employer groups, or alumni associations from BYU and BSU.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    BYU Alumni Association, Boise State University Alumni Association, Select Employers Group

    Where MOUNTAIN AMERICA writes mortgages

    MOUNTAIN AMERICA publishes mortgage lending in 10 states.

    ArizonaColoradoIdahoMontanaNew MexicoNevadaOregonUtahWashingtonWyoming

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

    Not sure if MOUNTAIN AMERICA is your best fit?

    Compare every credit union you can actually join

    Enter your ZIP to see every credit union — including MOUNTAIN AMERICA if you qualify — ranked by today's rate.

    Get notified when MOUNTAIN AMERICA's 30 Year Fixed rate changes
    Optional. No weekly digests, no spam — one email only when rates actually move. Manage or unsubscribe anytime.
    Advanced: adjust thresholds
    bps (0.10%)
    Optional. Emails when the rate reaches this level.

    More credit unions in Utah

    See all Utah credit union mortgage rates